Gardening Insurance
4.8/5 on
- Purchase 100% Online
- Covers Accidental Damage
- Meets Client Insurance Requirements
- Protects Your Equipment
What Is Gardening Insurance?
At its root, gardening insurance protects you and your business from third-party claims like property damage, injuries, and legal fees. If you accidentally mow over a client’s solar lighting or a pedestrian trips on your power cords and sprains a wrist, this coverage can cover some or all of your financial responsibility.
Insurance for gardeners doesn’t just keep you from paying out-of-pocket expenses — it ensures your business keeps running smoothly, safely, and confidently.
How Much Does Insurance for Gardeners Cost?
Gardening insurance starts at just $33.75/month or $375/year.
This protects you (the owner) and up to two employees, with options to add coverage for up to nine employees.
What Insurance Do I Need to Be a Gardener?
Whether you’re a solo gardener or run a small crew, every professional gardener should have general liability insurance. Accidents happen in every line of work, and damage to a client’s property is always a possibility. Public liability insurance for gardeners helps cover those costs so you’re not left footing the bill.
Depending on your unique business needs, you can also customize your coverage with add-ons, like:
- Equipment & Tools Coverage: Covers your movable business gear, like gardening tools and mowers
- Workers Compensation Coverage: Pays for medical expenses and lost wages if an employee is injured or gets sick on the job
- Lawn Care Surety Bonds: Coverage if you can’t fulfill a contractual obligation
- Cyber Liability: Protection against cybercrime-related claims, like ransomware and data breaches
- Commercial Auto Coverage: Liability insurance for your work vehicles
Why Insurance Canopy Has the Best Gardening Insurance
Recognized by Fit Small Business as the most affordable landscaping insurance on the market, we offer nationwide coverage and robust policy limits to support your blooming business. Our mission is to support you wherever you are on your professional journey with highly-rated, customizable coverage.
Maximum Gardening Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$1,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention, or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$500,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Optional Add-ons
Also known as “inland marine,” this coverage protects moveable property such as equipment, inventory, and supplies. However, it excludes coverage for structures and items that are permanently fixed to one location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Also called “errors and omissions,” this coverage protects business owners from financial loss related to mistakes, negligence, and errors made on their part when conducting business. If you offer garden design consultation and/or advice and recommendations that lead to loss, professional liability insurance may provide coverage.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Snow and ice removal offers liability coverage for lawn care businesses that perform residential snow removal services. Single-family homes, small multi-family complexes, and driveways are all covered. However, services for commercial properties and public roads are not eligible under this coverage.
$217/mo. or $2,604/yr.
From pool cleaning and chemical treatment to basic repairs for pumps and filters, pool and pond maintenance coverage is your safety net against costly claims. For example, if you or an employee accidentally damages a client’s pool surface or equipment while working, this coverage helps cover the cost of repairs or replacements.
$20/mo. or $240/yr.
Designed specifically for lawn care businesses that service residential driveways, patios, exterior walls, and fences, pressure washing coverage keeps you working when claims come your way. Surfaces higher than two stories are not covered under this protection, and your company must only use non-toxic, water-based cleaners.
$13/mo. or $156/yr.
For some gardening jobs, you’ll need to add clients or contractors to your liability policy. These additional insureds are temporary additions priced at just $0.83 per month, or $10 per year. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Workers compensation provides coverage for employees who suffer work-related injuries or illnesses while on the job. In addition to covering an employee’s medical expenses, rehabilitation, and lost wages, workers compensation also pays your legal fees if the employee sues over a workplace injury or illness.
If you are unable to fulfill the terms of a gardening contract, surety bonds step in and protect your client from financial loss. Bonds also help you meet legal requirements, which gives clients confidence that you’re the right choice for their gardening needs. The result? More jobs for you and your team.
For landscapers and gardeners, trucks, trailers, and other business vehicles are essential for transporting crews and equipment. If an accident occurs while driving, commercial auto liability covers third-party injuries and property damage. It also covers theft and vandalism of your equipment.
Top-Quality Liability Insurance for Gardeners
Gardening insurance keeps accidents from uprooting your business. Purchase your policy today!
FAQs About Gardening Business Insurance
How do I get an instant COI and add clients as Additional Insureds?
You can download your certificate of insurance (COI) immediately after purchasing your policy. To add clients to the policy, simply navigate to the Additional Insureds section of your dashboard.
What limits do clients usually require for gardeners?
Most clients require $1M per occurrence / $2M aggregate. The required limits can vary depending on the size of the job and the amount of risk it involves, so always verify with your client to ensure you have enough coverage.
Are my tools and equipment covered on the job or in transit?
Yes, the optional Equipment & Tools add-on covers theft or damage to gear in transit, on site, or in storage, subject to selected limits and a deductible.
Does gardening insurance cover pesticide or herbicide application?
Gardening insurance does not cover pesticide and/or herbicide applications that require a license.
Do I need workers’ compensation for my gardening business?
A majority of U.S. states require businesses with employees to have workers’ compensation insurance. However, requirements vary by state, so be sure to check your state’s guidelines for the most accurate information.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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